when the storms hit florida, frankly they do hit areas and they hit them hard. so many people that live in the area, you have not had this. so it's really hard to know, carl, the 439 plus 78,000, doesn't seem like that much. i have seen estimates that claims could go up as high as 500,000 or higher. so that's something to look out for. how much drop you would expect and why we see it in philly and not in empire state, which arguably should have been more impacted than philly fed, of course you are, philly is down in that southern new jersey area that was hit by a lot of rain, that's possible. i honestly have to answer your question, carl, by saying i did not know what to expect, except that beyond noisy, i expected it to be negative. >> also double dose of big box retail earnings this morning, walmart and target both beating estimates on the top line, but walmart did -- patrick mckeeve, that neutral looks awfully pressure right now. what is your response to how they did? >> the sales were disappointing, they comped up 1.5%, walmart u.s. and i think there were so